All drivers in the State of Texas are required to carry auto liability insurance. Despite being required, it’s estimated 1 in 6 drivers in Texas are uninsured. There are serious consequences if found driving without insurance, but many people simply can’t afford auto insurance.

Car insurance by the mile is still in its infancy. As of 2017, you could purchase this type of insurance from a handful of companies: Metromile, National General Insurance and Allstate’s MileWise. It means exactly as the name implies, drivers have the potential to save money by only paying for the exact mileage accrued in a year. Devices are added to the insured vehicle to accurately […]

Pop culture is rich with references to movies. Every school kid, to this day, recognizes the ominous interval warning of an imminent shark attack, thanks to “Jaws”. Among the many influential movies that have impacted our culture, “Star Wars” is the only one with its own date. May 4th is Star Wars Day, as in May the Force Be With You? We’re also looking forward […]

Starting on April 1st, Hettler Insurance, a local Lubbock insurance agency, would like to cover your dents and mangled front end on your car, truck or SUV with advertisements.

Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country.  They can’t believe that home insurance can cost so much.  When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%. Lubbock area deductibles also are normally 1% of the value of your home.  […]

Tornado!  The mere word conjures up fear.  Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock  Lubbock averages more than one tornado in the county each year.  So there’s no question that we have an abundance of activity that regularly strikes our town.

Why do you buy Auto Insurance?  “I have to” may be your response and that is so true.  Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) on your car insurance. So, “I have to” is a great reason but there is an even better reason….

A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car.  I told him that he had elected to purchase only liablity on his vehicles.  He told me that wasn’t a problem because the other party had auto insurance on her car.  In fact, she (Linda) had coverage through our agency as well!

Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list.

My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced.  It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun.  Either while attempting to catch the gun or upon the gun’s collision with the pavement, the shotgun discharged shooting pellets […]

Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K.  Let’s start this discussion with a trip to Las Vegas.  Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you.   See this decision is all about odds.

So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance.  He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy.  I didn’t know what he was paying through his long time agent, but I did know that […]

Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident.  But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it.

We get calls all the time from families wanting us to shop their auto insurance.  We put all the information into the rating program and get quotes back from up to 8 companies.  But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on their home insurance.

So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….”  It’s hard to figure out the methods to buy auto insurance but let me go through the options.